This is a rant; probably skip it if you're not in the mood.
I have debit cards and credit cards but high debt and no savings. I am depressed and (because of that) have poor executive function (i.e., getting-shit-done ability).
I have a job where I can work flexible hours. An obvious solution to my problem would be to work more hours. And yet here I am not doing that!
I could also move to a place with lower rent, but that would require me to do some combination of throwing stuff out (which is work) and getting people to help me move my stuff to the new place (I have mobility issues that prevent me from doing a lot of lifting things). Also, I'm hoping my current low point won't last forever and I kind of like my current place and would hate to move out of it because of a hopefully temporary problem.
I could also see a therapist, but they cost money. I could also try drugs, but they cost money and most of the ones I've tried so far either do nothing (bupropion) or make things worse (paroxetine). (Except modafinil. Yay modafinil!)
I sure feel like a dummy for being incompetent at life, but feeling that way doesn't actually help me not be incompetent at life.
but feeling that way doesn't actually help me not be incompetent at life.
In fact, it's making you more incompetent. Knock it off.
You're engaging in the classic "How do I hate me? Let me count the ways." What's wrong with me? Why can't I do this? I recall taking something of a sadistic glee in my own misfortunes and failings. I used to call it "self sadism". And those were the good days. On the worst days, I felt powerless and hopeless. "Incompetent at life". This is a maladaptive use of attention.
It's neither helpful nor...
This is the first post of the 2015 repository rerun, which appears to be a good idea. The motivation for this rerun is that while the 12 repositories (go look them up, they're awesome!) exist and people might look them up, few new comments are posted there. In effect, there might be useful stuff that should go in those repositories, but is never posted due to low expected value and no feedback. With the rerun, attention is shifted to one topic per month. This might allow us to have a lively discussion on the topic at hand and gather new content for the repository.
The first repository to be rerun is the Boring Advice Repository, because of... on a whim.
Enter original motivation (by Qiaochu_Yuan):
The Boring Advice Repository is filled with lots of diverse advice, I've summarized some of it in a comment below.
So what should go here? To go with Qiaochu_Yuan again (adding emphasis):
I don't know if you should post new advice here or in the original repository. Perhaps search the old repository with ctrl+f (when on windows) and if you don't get results, post it here.